USDA Rural Development Loans

We believe in creating jobs and expanding opportunities in rural communities — and that is the primary purpose of this government-guaranteed loan.

USDA Rural Development Loans can be used to buy equipment, land, buildings or working capital. Applicants must demonstrate their ability to repay the loan and focus on creating new jobs or expanded employment opportunities in their community.

Low interest rates

Fixed and variable rate financing

Longer terms and lower down payments

Terms up to 30 years fully amortized

Small businesses must qualify for a USDA loan. The qualification criteria include size requirements, financial standing and being in a for-profit industry.

$5 monthly fee if average balance is below $7,500

$4.99 monthly fee for online banking

$9.99 monthly fee for online banking with bill pay

Small fee of $.10 per item for each debit over 100

Balance requirement fee and per item fee for debits paid are waived for non-profit organizations

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125 YEARS FEELS UNBELIEVABLY GOOD

For over 125 years at First Citizens National Bank, we've tackled recessions, cleared hurdles and created solutions; but no matter the decade, we have always desired to be the best community bank we can be. We are simply passionate about giving our customers an experience that is unbelievably good.